Payment Processing Guide for Token Creators: AI Builders vs Traditional Methods
This guide compares payment processing for launching Solana tokens. AI website builders built into launchpads offer a complete system with built-in revenue sharing, while traditional platforms separate development, hosting, and payment collection, creating multiple costs. The right choice depends on whether you want ongoing income from your token or just a one-time launch.
- •AI builder launchpads like Spawned.com offer 0.30% creator revenue per trade and 0.30% holder rewards, with 1% perpetual fees post-graduation.
- •Traditional platforms like pump.fun offer 0% creator revenue, requiring separate payment systems for your website at $29-99/month.
- •AI builders include payment processing in a 0.1 SOL (~$20) launch fee, eliminating monthly website hosting costs.
- •The key difference is ongoing income: AI builders build a sustainable revenue stream, while traditional platforms are transaction-only.
Quick Comparison
Verdict: Why AI Builder Payment Processing Wins for Creators
The best payment system pays you back.
For token creators who want to build a sustainable project with ongoing income, an AI builder with integrated payment processing is the clear choice. The model provides immediate revenue sharing (0.30% per trade to you) and community incentives (0.30% to holders), which traditional launch-and-abandon platforms completely miss. While the initial launch fee of 0.1 SOL is similar, the long-term financial structure is fundamentally different. You're not just paying for a transaction; you're investing in a revenue-generating asset. Traditional methods require you to build, host, and secure a separate website just to collect payments or donations, adding significant monthly overhead and technical risk.
Side-by-Side: Fee & Revenue Comparison
Understanding the numbers is critical. Here’s how the costs and earnings stack up over the first year for a token with $100,000 in monthly trading volume.
AI Builder Model (Spawned.com Example):
- Launch Cost: 0.1 SOL (~$20 one-time)
- Creator Revenue: 0.30% of all trades = $300/month
- Holder Rewards Pool: 0.30% of all trades = $300/month distributed to loyal holders.
- Website Costs: $0/month (AI builder included)
- Year 1 Net Position (after costs): +$3,580
Traditional Platform Model (pump.fun Example):
- Launch Cost: ~0.1 SOL (similar, but no website)
- Creator Revenue: 0%
- Holder Rewards: Typically 0%
- Website & Payment Costs: Requires separate service. A basic site with payment gateway costs at least $29/month.
- Year 1 Net Position (after costs): -$348
The difference of nearly $4,000 in the first year comes from the built-in revenue share. The AI builder model turns your launch into an income source.
How Payment Processing Works with an AI Token Builder
A unified system replaces a patchwork of tools.
The process is integrated from start to finish, removing the need for third-party payment gateways, merchant accounts, or complex code.
- Build Your Site: Use the AI to generate your token's website. This automatically includes sections for your story, tokenomics, and a built-in connection to the Solana wallet transaction system.
- Configure Revenue: The platform pre-sets the 0.30% creator revenue and 0.30% holder reward fees. There's no extra setup for this income stream.
- Launch Your Token: Pay the 0.1 SOL launch fee. This covers the token creation, initial liquidity pool setup, and hosting of your live website with its integrated payment/trading functionality.
- Transactions Flow: When someone buys your token via your website or a DEX, the smart contract automatically allocates the fees. The 0.30% for you and 0.30% for the reward pool are distributed without any action required on your part.
- Manage & Grow: Use your website dashboard to track revenue, see holder stats, and communicate with your community—all within the same platform that handles payments.
3 Hidden Costs of Traditional Payment Processing
When you use a basic launchpad without an integrated builder, you face several hidden expenses and complexities to accept any form of payment or support for your project.
- Monthly Website Hosting ($29-$99+): Platforms like pump.fun don't provide a website. You need to buy hosting, a domain, and possibly a template, creating a recurring bill before you earn a cent.
- Payment Gateway Integration (Time & Risk): Adding a 'Support the Project' button or integrating a crypto payment widget requires technical skill or hiring a developer. This introduces security risks and maintenance overhead.
- Zero Ongoing Revenue Model: The platform's business model ends at the launch transaction. They don't share trading fees with you, so your only potential income is if you personally profit from token price movement. There's no built-in, fee-based revenue stream from the project's activity.
Beyond Launch: The 1% Perpetual Fee for Project Sustainability
A major differentiator in payment processing is what happens after your token 'graduates' from its initial launchpad phase. With AI builder platforms using the Token-2022 standard, a 1% transfer fee can be enacted post-graduation. This isn't an extra tax; it's a programmable feature that funds the project's future.
This 1% fee on all transactions creates a sustainable treasury. It can fund marketing, development, community events, or liquidity provision. Traditional launch models have no such mechanism. Once the initial liquidity is locked, the project has no built-in way to fund itself aside from the creator's personal funds or potentially risky token sales. The integrated payment model of an AI builder plans for long-term success, not just a successful launch day. Learn more about post-launch strategies.
Which Payment System Is Right for You?
Your choice depends entirely on your goals as a creator.
Choose an AI Builder with Integrated Payments if you:
- Want to earn ongoing revenue from your token's trading activity.
- Plan to build a community and reward long-term holders.
- Need a professional website but want to avoid monthly fees and technical setup.
- Are serious about the project's long-term development and need a funding model.
A Traditional Launch-Only Platform might suffice if you:
- Are experimenting with a meme coin and have no plans for a website or community.
- Are only interested in the potential price appreciation of the token you hold.
- Have the technical skills and budget to separately build, host, and secure a website with payment gates.
- View the launch as a one-time event with no plans for ongoing project development. For most creators building a real brand, the AI builder model aligns incentives and provides the tools for growth. Compare more AI builder features here.
Ready to Launch a Token That Pays You?
Stop treating your token launch as a cost center. With Spawned.com's AI builder, your launch includes a revenue-generating website and a smart contract designed to share value with you and your holders from the first trade. You get a complete system for 0.1 SOL, eliminating the $29-99/month website tax and building a sustainable income stream with 0.30% creator fees.
Launch your token with built-in payment processing and start earning today.
Related Topics
Frequently Asked Questions
No. The 0.30% creator revenue is not a tax on your personal token holdings. It is a fee applied to every buy and sell transaction of your token on the market. This fee is generated by trading activity and sent directly to a wallet you control. Your initial token supply remains untouched.
The 0.30% creator fee and 0.30% holder reward are set at launch as part of the token's smart contract on the integrated platform. The separate 1% perpetual fee for the Token-2022 standard is typically activated only after the token graduates from the launchpad phase. The specific parameters for this are set during the initial configuration and should be reviewed carefully before launching.
No coding is required. The AI builder automatically generates a website with integrated wallet connectivity for Solana transactions. The revenue-sharing fees (0.30%/0.30%) are pre-configured at the platform level. You simply describe your project, and the builder creates the site, including all necessary elements for users to trade your token and for fees to be distributed correctly.
The 0.30% holder reward fee on each trade is accumulated in a smart contract pool. Distribution is typically handled automatically by the platform's systems. Common methods include periodic airdrops (e.g., weekly or monthly) to wallets that have held a minimum amount for a specified period, or through a staking mechanism. The exact distribution method is part of the token's setup. [Learn more about airdrops](/glossary/airdrop).
You would need to start from scratch. You'd have to purchase website hosting, a domain, design or build the site, and then integrate a separate payment system or donation widget. This process costs significant time and money ($29-99+/month ongoing) and your token's smart contract would still not have the built-in 0.30% creator revenue feature. You cannot retroactively add this core income mechanism.
Yes, for the launch and website. The 0.1 SOL launch fee covers the token creation, initial liquidity pool, and hosting of your AI-generated website indefinitely. There are no monthly subscription fees for the website itself. The only other 'costs' are the shared fees: the 0.30% that goes to holders as rewards, which is a community incentive, not a platform cost.
A 'donate' button relies on voluntary, one-off contributions. The integrated 0.30% creator fee is an automatic, scalable business model tied to your token's trading volume. If your token does $1M in volume, you earn $3,000, without having to ask. It transforms your token project from a hobby relying on donations into an asset with a predictable revenue stream based on its own activity.
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